Acquisition shortlist refresh - does any of this clear the step-away number?
Refresh of the 2026-05-03 Tampa shortlist against current listings, 10 candidates scored on the five-factor fit test. Three of the five May candidates are gone and a fourth is under offer. Two tie at 8/10: a Northern Palm Beach CPA practice (SDE $468,837, SBA lender already approved at 10% down with published terms) and a Florida behavioral-health medical billing / RCM firm (asking $2.2M, SDE $548,378, strongest family-orbit edge via ABA Centers). The finding is the step-away math, modeled against Monarch only per the founder's 2026-08-30 ruling: no candidate replaces the paycheck. The best lands at $10.4k-$13.4k a month against the $16k-$19k Monarch shows now. Clearing it needs roughly $834k-$936k SDE and a $292k-$328k down payment, which exceeds visible cash outright and collides with the construction-to-perm decision. The new dental lane does not exist as a buyable funnel in Florida. One blank left for the founder: the household runway floor.